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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $19,848 | $76,551-74.1% | $123,894-84.0% | $62,881-68.4% |
| Participation rate | 69.4% | 73.0%-3.6pp | 81.4%-12.0pp | 69.3%+0.1pp |
| Annual return | 11.49% | 18.68%-7.2pp | 47.52%-36.0pp | 20.14%-8.7pp |
| Employer contribution / active EE | $2,576 | $2,882-10.6% | $4,617-44.2% | $2,281+13.0% |
| Participant deferral / active EE | $6,246 | $4,840+29.1% | $5,984+4.4% | $3,203+95.0% |
| Admin fee / account holder | $11,456 | $4,826+137.4% | $8,357+37.1% | $4,296+166.7% |